Arizona Vehicle Policy

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Multi-State
Control #:
US-246EM
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Description

This form provides a detailed explanation as to a company's vehicle policy.
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FAQ

The cost for being pulled over without insurance in Arizona is steep. The penalties for the first offense are a $500 fine and the suspension of your license and registration. Your license plates are also taken.

Arizona Is a Fault-Based State This means that the person who caused the crash is ultimately responsible for paying for injury and property damage expenses. This differs from no-fault states in which drivers turn to their personal insurance carriers for coverage, regardless of who caused the crash.

A small number of states use a no-fault system for awarding compensation after a car accident. However, Arizona is an at-fault state. That means that whoever is responsible for causing an accident in Arizona has to pay for it. Read on for more information from the car accident lawyers at Brown & Hobkirk, PLLC.

Arizona requires that every motor vehicle operated on roadways be covered by one of the statutory forms of financial responsibility, more commonly called liability insurance, through a company that is authorized to do business in Arizona. This requirement also includes golf carts, motorcycles and mopeds.

No, Arizona is not a no-fault state. Arizona is an at-fault (or tort) state. That means the driver who causes an accident uses their insurance to pay for the other driver's bills from the collision. Police and insurance companies use the available evidence to decide who is at fault for the accident.

Mandatory Insurance Minimum levels of financial responsibility are: $25,000 bodily injury liability for one person and $50,000 for two or more persons. $15,000 property damage liability.

No, personal injury protection (PIP) is not required in Arizona. PIP is not even available in Arizona. Instead of PIP insurance, Arizona insurance companies offer medical payments insurance (sometimes called MedPay), which helps with hospital bills resulting from a car accident.

Arizona requires all drivers to carry a minimum amount of car insurance. If you're caught driving without it, the state may suspend your driving privileges for up to a year, charge a fine of up to $1,000 and require you to file an SR-22 certificate of financial responsibility.

15/30/5 liability coverage will pay up to $15,000 of bodily liability damages incurred by pedestrians or people in another vehicle, with a maximum of $30,000 payable in total to all people in any single accident. This is sometimes also called 15/30 insurance.

Any vehicle in the United Kingdom must have at least third party insurance at all times unless the vehicle is declared to the DVLA as being off the road via a SORN notice.

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Arizona Vehicle Policy